Provide a competitive analysis of the newest startup debit and credit cards (for example, petal, brex, chime, etc). For each, provide a brief overview, points of differentiation and level of funding. Additionally, provide an analysis of the economics of launching a credit card vs a debit card, and the pros and cons of doing each. Lastly, provide an overview of how credit and debit card companies make money, including the key players that take a cut of funding in each card transaction (issuer, network, acquirer, etc).